Empower: Cash Advance & Credit Negative Reviews

Empower: Cash Advance & Credit App Complaints & User Negative Comments 2024

Empower: Cash Advance & Credit app received 20 complaints, negative comments and reviews by users. Have you ever had a bad experience using Empower: Cash Advance & Credit? Can you share your negative thoughts about empower: cash advance & credit?

Empower: Cash Advance & Credit for Negative User Reviews

✓ DO NOT USEWorst app ever. I used them for 9 months. Fairly consistently. I always paid on time. Tipped. Etc. Then I had an issue with my bank account. I contacted Earnin and explained that the money would not be in my account and I needed to push my payment back a couple weeks. It had never happened before. They refused and said they had already started the process of debiting the money and couldn’t stop it…. And I should have asked them sooner to push the payment back. I would have loved to but unfortunately hackers don’t give advance notice before they hack your bank account. 🙄I told them the money wouldn’t be there and I would be charged a fee. I got disconnected from the chat 5 times…. Then was told if the money wasn’t there it would be returned to them and if I was charged a fee to contact them. Well the payment wasn’t returned and I was charged a fee. I contacted them and was basically told tough crap. There is nothing we can do and I didn’t meet the criteria to have my bank fee reimbursed but no one would tell me what those criteria were. I will never use them again. Dave is way better and I never have had an issue with them..Countrygirl0732Version: 5.9.0

✓ Don’t trust this app!! Use Earnin or try doing some Instacart orders!! TRUST MEI downloaded the app for the cash advance feature. Every time I tried to use it, it would force close. as a result, I tried to close my account with this app because it doesn’t work.. the app would not allow me to remove my bank account because of the subscription so I canceled this subscription, I went back to try to close the account and it wouldn’t let me remove my bank info because of the subscription that I already canceled. The app will not allow you to cancel your subscription immediately it makes you wait 14 days and because of this you cannot remove your bank information…. It is super odd to me that there is no option to cancel your subscription immediately and remove your bank information immediately. I don’t know about you guys, but I’m not not comfortable with an app that I’m not using having access to my bank account.. as we all know pretty much every bank helps with credit building so outside of the advance, this app is useless. I 10 out of 10 recommend Dave or Earnin..ShaneirahVersion: 5.112.0

✓ Customer support doesn’t listenSo far so good except for linking my card. I was able to add my account no problem. I was able to get $100 advance no problem. The problem started when I tried to add my card to get an instant transfer, I received an error message saying that the card wasn’t linked to the account which is crazy because it’s the only card for it (I check to make sure I entered everything correct and I did) so I had to opt for receiving it 2 days later which is ok. But I did try to connect customer support because I would like to add my card for the future. They literally aren’t even reading what I said, first I was told my account wasn’t accepted and it most definitely was because I was offered the $100 advance. Then they said I couldn’t get an advance which again was wrong because I literally already started the transfer. Then I was told they couldn’t make changes to the transfer when I never even said anything about changing it. All I want is to add my card that’s absolutely it. This is why I hate chats and emails it takes forever and it’s almost always a bot. Please get that together!.BlahmeekVersion: 5.79.0

✓ At first it was helpfulInitially the app was very helpful. My husband also uses the app as well. We had a situation where he didn’t have enough money in his own account to cover his advance so I typed in my information so at least he could pay back to advance. We’ll come to find out if I did that then I am unable to use my own app. I contacted customer support and they said that once the advance is repaid with HIS account then it will be resolved. That’s understandable. So he got a new debit card and typed in his new information and paid back the Advance through his own account. I was able to finally delete my information from his (because it won’t let you delete the account linked to the last advance) and I thought all is well. Went to my own account and I am STILL unable to use my own account for my own advance. The account still says my information is associated with another account which it is NOT anymore. Contacted support which is nothing but robots giving you generic answers to specific questions. Literally said they don’t have a solution??? What do you mean? How are you unable to allow me to just use my account again? You can see my information is completely separate now. There is no reason I shouldn’t be able to use my account. The app is completely useless now so I’ll have to just delete it and cancel if there’s no recourse for these issues. Really disappointing because otherwise the app was extremely helpful..MajerliBothersMeVersion: 5.99.0

✓ Such a frustrating app I give upI like the idea of the app and so wish it worked. Unfortunately for the year or so that I stuck with the app, it never functioned properly. I was constantly trying to reconnect accounts that disconnected for no reason. Sometimes they wouldn’t reconnect and I’d have to keeping trying to connect it for multiple days until it finally worked. Ultimately the main bank account I had my subscription to disconnected and I couldn’t reconnect it. They told me to wait a month and try again. I waited and it didn’t work so they had no solution except for me to open a new checking account under a different bank or delete my account with them and recreate (neither of which is solving the problem of THEIR app!). I’ve had multiple emails with customer service and they clearly don’t read the entire email or just want to get their credit for responding and send suggestions for things I already stated in the email that I had tried. I feel like they do not care to fix the app and it’s very frustrating since this is a subscription service..RifjdjsndjVersion: 4.47.0

✓ Will not return moneyI started an auto save account with this company roughly a month ago and deposited $1000 into it to start. Rather suddenly I had an emergency and needed to withdraw half back. Well they locked my account so I could not get to it. I emailed support, followed all the steps for account verification and tried again a few days later. Account is still locked and now I need everything back. I start the email process all over and they tell me I have to verify my account AGAIN so that this can be sent to a specialized team. So I verify the account for the second time, receive zero response and still cannot access my own flipping money. This has been going on for almost a month now and they still have my money. Just got off the phone with an agent after being hung up on because “no one was available” only for this agent to tell me the exact same thing and they are sending this to the specialized team. My next step will be to obtain legal representation because this is ridiculous. Absolutely would not recommend. *UPDATE* We have now reached a month. I have spoken to them on the phone 5 times and every time I have been told the team will reach out. There has been zero communication from this “specialized team” that apparently only communicates via email except that they DON’T. I have not heard a word and my bank account is now overdrawn because they still have my money. I cannot stress enough not to download this garbage app..Lafay625Version: 5.114.0

✓ Do not use this app!!The worst app I have ever used!! I do not ever take a min to write a review about apps but this one I must! First off, the criteria for a cash advance is written specifically for people that wouldn’t even need a cash advance in the first place. You have to maintain a $50 balance for so many days for 4 pay periods. So, why would I borrow $50 if I could keep $50 in my account? Also this app charges monthly fees for what I don’t even know. What they charge you for, other apps have been doing for a while now. The customer service is terrible. They read scripts and will just disconnect the chat whenever you as the customer are right. This place is a scam!! They cold-heartedly trap people into paying $11 or so a month in hopes they might qualify for advances in the future. I receive over 2k a month through the account connected to this app and told I don’t qualify for not maintaining a $50 balance. When I explained I move money to my savings account every pay period they said there wasn’t anything they could do. Thankfully, there is one thing I can do...cancel, never use again and share my experience. THIS PLACE IS A STRAIGHT SCAM!!! Update: they apologized and explained there auto save feature costs $8 monthly. I can auto save from any account for nothing and my bank already advances me $200 every payday. This app is completely worthless!!.Shawnbb13827Version: 4.48.0

✓ DOES NOT SUPPORT 2ND CARD OR MANY ATMS OPTIONSMy wife and I read about Empower through a financial article and it sounded like a great option for us. We had closed our Chase account and kept our PNC open until everything was switched over to cover expenses and make sure there was no lapse in bills. So once that was finished we finally got our....1 card? Empower does not support two cards for the same account. That was not disclosed or advertised or anything. It was deep within their “Help” section after we had signed up. So because it does work with Apple Pay we thought, ok the options and cash back are a nice option so let’s get through it. Well, we finally closed our PNC account and just had empower at this point. My pay check was a live check one week because of the switching of accounts, they wanted to be sure I could have the cash. So with this live check I look on how to deposit it or cash it..... THEY DON’T HAVE SUPPORT FOR THIS. The only way you can contact them is a messenger or email and you MIGHT get an answer back in 24-48 hours even though their app says most replies are in 2 hours of the operation times. They have no answers. So I had to go to my local grocery store where they would cash it but for $8. I responded back to their for short email giving me no answers and that was 24hours ago. Other than that, the app works nicely. Just can’t deposit cash or checks. HUGE flaw when setting up this business..Wait to downloadVersion: 2.9.2

✓ FAILURE AND TOTAL GARBAGEEmpower is one of the most worthless and quite frankly, utterly useless “financial/banking services” I have ever encountered. Thankfully my unfortunate mistake of signing up with Empower; will be other people’s gain. I have no problem describing what a pathetic joke the feeble attempt at customer service Empower haphazardly provides to it customers. I can imagine how it would be nothing less than a total embarrassment if I had to admit to people that I worked at or was in any associated with such a deplorable and disheveled wreck of a company that Empower truly is. Seriously. I would say that perhaps Empower can bilk their investors out of more money so that their totally incompetent robot customer service staff could be trained on what “customer service” actually means. Alas, I believe that would just be an exercise in futility. I simply cannot wait to be the first person in line to attend the party that will be held upon the news of this company’s inevitable, and 100% deserved, abject failure. I can hardly contain my glee because the thoughts of Empower being dissolved into total non-existence is a delight of which I will always be ready to enjoy. Always. TL;DR - EMPOWER AND ITS USELESS ROBOT CUSTOMER SERVICE STAFF ARE GARBAGE - JUST LIKE THEIR “PRODUCT”. STAY AWAY FROM THIS TOTAL MONEY STEALING SCAM!!!.SF Christopher08Version: 2.15.0

✓ Mistaken account closureHello I wanted to drop off my review, yesterday I got my first direct deposit to my empower account. I was having trouble logging back in because of an old account. I got a little bit frustrated with their email customer service I might have been kind of rude. Well keep in mind that I have a severe mental illness and I am considered disabled by the State of Texas I have been 3 days without my physic meds I stopped by the pharmacy yesterday evening. It was closed so I figured I'd go today, I've never had problems with my BOFA account but I figured the credit building aspect of this app is awesome. So I'm trying to get assistance from the customer service online. I was rude I admit but not to the point were they automatically cancel my account and keep my money. Now I have no money to buy meds and am broke. No my mental health is deteriorating by the minute. Just because a customer service agent wanted to retaliate against me. Now they won't respond they kept my money which I was gonna use to pay for my medications I wish I would of stayed with my bank these people just retaliated and closed my account because I made them upset..JlmhtxVersion: 6.10.1

✓ AvoidDoesn’t link with my credit union so can’t use most of the features advertised. It says it will but whenever I try there is a “problem. Please try again later.” I’ve been trying for 3 weeks. When I contacted support (after some frustrating and counter-intuitive discussions with a Bot) they told me there was a temporary outage with my credit union and to try again in a week. Obviously disappointed and finding this app totally useless I deleted my account. It says all my data and account details will be deleted. Yet when I attempt to re-sign in and confirm my account has been deleted it simply just re-signs me in and all my data is still there and it hasn’t been deleted at all. I don’t know why so many people are giving this good reviews. Perhaps they haven’t used it properly but I was very keen to use empower that I’d already decided I would. I decided to just do some simple tests to put my mind at ease about using a new company and they failed all of those tests: doesn’t link with external accounts as advertised, time wasting bots are the customer support, solutions eventually offered are totally inadequate and when I made my decision that this “bank” (its really a tech company) wasn’t for me I had to repeatedly email and message them to actually manually delete my account (even though the app tells you you can do it from their main menu). New companies will improve the banking experience in the near future. Empower is not one of those..Cheis23Version: 2.12.1

✓ The hype is not what it seemsWell I got this app. I was so excited about the payday advance feature. So I was charged the $8 monthly fee the 1 st month. Did not qualify for the second month another $8 charged, on the 3rd month another $8 charged. This time it says you unlocked a $25 dollar advance but would not let me pull it out. I get ssi monthly then it says not requiring enough really I’ve had ssi for 7 years now plus I make deposit about the same every 2 weeks. But then I checked back the next day. There again I was not approved now, but on the other part I was. This is so messed up over $25 dollars. Now I don’t get that. And they will shoot me a generic reply saying “oh we’re sorry to hear your having trouble send me your information and we will help” ya right. You know what I mean. I have thousands of people that will read this. I can’t believe this I given you over $25 for a crappy app. If you are going to do something and don’t and blame it on a glitch. Well that’s pretty sad. Hey guys I will update you on there reply. And I will pay another month. To either add to this experience or give a 3 to 5 star rating if it is done with meaningful sincerity. The $25 dollars is crap even though I should have qualified for at least $50 or 100 because I have more stars hot a higher advance then the $25 I no longer qualify for. I hope you look into this because you have no problems taking my $8 every month.57544daveVersion: 5.3.0

✓ 1/2 star rating..dissatisfied and disappointedI made a cash app transfer of $94 to a friend. Cash app canceled because the ID I used was not valid. I reached out and got a valid ID to resend. This time it failed. This all took place on Friday May 24. I reached out to Empower and was told it takes a few days for the money to be returned. By mid week I’m reaching out again and was told there didn’t seem to be available funds for that transaction on Friday. Not true. When I pointed that out to CS I’m told they have to look into it to see what is going on. Tomorrow is May 31 and I still don’t have my money back into my account. How complicated is this? Checks and balances. Since you can’t overdraft and all transactions are listed on dashboard why is it difficult to determine what happened? By checks and balances I should have a balance and I don’t. In all of my years of banking I’ve never encountered this. CS is nonchalant, it may not be important to them however it is to me. I’ve been using Chime bank. I will be going back to Chime. I had misplaced my Chime debit card and had to wait for a replacement so I thought I’d try Empower. I should have just had my DD put on my Cash App card. I give 1/2 a star. I’m so disappointed. I would steer clear of such a bank that takes this long to resolve an issue as simple as this!.Grace in PAVersion: 2.18.0

✓ I will give it two stars but…$250 just goneSo I had been a user of Empower for probably 6 months plus. We always paid on time and used it when we needed to. Then March 13th 2024 came. Before hand the previous two times I used empower, I started having issues with the instant cash and had to do the standard days which was 2-3 business days. I don’t understand why that happened but ok. At this time as well, it started saying my account was disconnected. So my questions with that, if it was disconnected how was I able to get money and pay the money back? I thought it was weird. March 13th, I paid my empower like I normally do and it seemed that it was going through but it remained in repaying status. It’s been in repaying status since and today is April 4th. I got a message a couple days ago saying that I still owed the $250 that I had already repaid. I have tried contacting support but I have gotten nothing and I am on the verge of cancelling the payment and cancelling the entire empower app and member ship. This seems very sketchy to do this all of a sudden after being a customer for such a long time. I have done everything I can and still nothing. I wouldn’t waste my time with this app any more..TtnfortuneVersion: 6.18.0

✓ Customer ServiceI’ve used this app for over a year and it’s been pretty good, however I’ve noticed that repayments are taking longer and longer to process. I’m not picky so a few days is totally fine with me but I recently repaid my loan and noticed that one payment was still pending a week later. After another week I contacted support only to be told to wait again for my repayment to process. It’s now been 4 weeks (20 business days) and my payment is still pending. The payment definitely came out of my account and everyone I speak to at empower just asks me to wait. I feel like 20 days for a payment to post is more than enough time or in the very least it’s enough time to figure out why it’s still showing up as pending. There seems to be no one at the company who will even explain what is going on which is a shame because I could really use that extra money right now and I’ve always repaid my loans on time… Smh, I feel like they’ll never actually tell me why this happened and no one there is even willing to try to figure it out..Loyal Customer_26Version: 5.53.0

✓ Terrible company!You don’t get to pick what your repayment method will be, ACH or by card so my spouse and I got royally screwed by this company. We had our repayment taken out by ACH on a Thursday evening and it will take 3 business days to repay. Meaning we can’t get more money till Tuesday. We asked to have it taken out of my husband’s paycheck almost a week earlier through our card which is automatic bc his is a much bigger paycheck and it works way better for us financially. They said “our system picks the best repayment method”. So it came out of my much smaller paycheck and left us with $50 for almost a week. We talked to a supervisor who “couldn’t do anything”. This is in spite of the fact that they have access to our bank account, so therefore can see that the account has been repaid. And the supervisor didn’t care at all that this had happened to us. Or tried to fix it. We had talked to them multiple times asking to make sure that they take out the money when it worked best for our finances but unfortunately they leave it up to an automated system instead. Don’t use Empower, I wish we hadn’t!.Magsmiller26Version: 5.53.0

✓ It works, but not without issuesThis was one of the few places that would lend me money, and for that I am thankful. I had recently fallen on hard times and getting anyone to lend me money was near impossible. However it does like to play numbers games that you may not be able to do anything about due to its own internal issues. One of my most recent issues is that the app told me I repaid late, when I actually repaid a day early they just didn’t take the money for about a day and a half, so they lowered the amount that I could borrow, sorry your system couldn’t take the money on time, it has nothing to do with me. Previous issue was it told me I didn’t have any income and before that, I ended up having to cancel a debit card because of fraudulent charges and getting them paid back was a pain with another card and any future lending they wanted to do had to be only with the card that had to be cancelled, my income didn’t change just the card. I would make a suggestion to Empower to allow you to fund a different account as a possibility even if you’re using a different bank for your income. If you’re in a pinch, it’s not bad, give it a shot, I just knocked off two stars for all the issues I’ve had in roughly just the month I’ve used them..Eggo1234Version: 6.5.0

✓ I’m newHello everyone I’m very new to The Empower app. I have seen and heard of the Empower app on ads before quite a few times before and have been very interested in giving it a try, so I am rating this app 2 stars for now due to I did have to pay 8 bucks for the first month just to get an advance of 10 dollars, I’m a bit confused on that and pretty turned off about it due to the fact that I have used other apps like Dave and Albert and their fees are no where near that high, Dave’s is somewhere around $1.99 or $2.99 a month and Albert I believe was free or $4.99 if you wanted to explore other features on the app. So with that said I am rating Empower 2 stars. I will give the app a month to prove to me whether or not, I actually keep the app. Part of downloading the app was the fact that I seen on the ads from different sites that I was using that you could get up to $250 for a pay advance, not saying that I need the advance all the time but when you need it, you need it and so I really think $8 dollars a month is really high just starting out for a $10 cash advance, so I will come back on here next month around the 28th, 29th of February and let everyone know how I actually feel and if it’s worth the $8 dollars. Thank you for reading my review and if you try this app out, please let me know what you think?.April WorkmanVersion: 5.77.0

✓ ConcernedI have been using empower for a good while and I have had a really good experience with that up until about a month ago, I have a lot of concerns and customer service has been absolutely no help whatsoever. I have no problem getting in advance and I have never had an issue uploading my drivers license. For immediate withdrawal into my bank until a month ago when I went to go upload my drivers license it states I uploaded too many documents. I since then have been reaching out to customer service completely getting the runaround. This is where my concern comes in, there’s no real customer service agent to speak with. You have no idea who you’re speaking with other than via email was told to upload my drivers license, which is really concerning I did, but now my personal confidential information is out there wherever these representatives are now have access to personal information and yet I’m still getting the runaround and no help as to fixing the issue of being able to accept my advance this is very concerning to me How do we know that there’s not some representative in another country behind a computer that now has access to very personal information that is able to hack us and still our information and possibly get into our bank accounts? What reassurance do we have from Empower that this is not going to happen..Therea07Version: 5.108.0

✓ Worst APP everThis app deserves zero stars. The first Time I tried to get a cash advance it kept Saying it didn’t see my deposits when they were clearly in my account. Reached out to tech support and it was going well until different tech supports were involved. They asked me to provide screenshots of my deposits which I did as well as who it’s from which was my employer. The whole reason for the screenshot was to prove that the deposits were in my account and recent since the system could not detect it. The last rep was oblivious to the entire support ticket between myself and his team members..asked me the same questions, didn’t sound like he even took the chance to read through the transcripts. Been going back and forward for about a week to get this before the holiday and now someone else tells me that they can’t accept the screenshots and that the money isn’t in my account!!!! Who are you to tell me what I have in my account when all screenshots were provided and where in the policy does it say screenshots can’t be provided when there is a technical issue with the app!!! It’s madness, it shouldn’t be this hard to get a cash advance when the proof is there but your app isn’t working. I’m uninstalling and moving on, seriously worst app ever..MeiweiloVersion: 4.32.0

Empower: Cash Advance & Credit works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact Empower: Cash Advance & Credit.